Get ready to explore the world and receive incredible rewards for shopping, traveling, movies, dining and a lot more. Using the Jammu and Kashmir Bank Credit Card, it’s so easy to earn points and experience unmatched privileges wherever you are around the world.
Get rewarded every time you purchase at partner retail stores, restaurants and hotels! You can choose from Blue, Silver and Gold credit cards to boost and enhance your lifestyle. Read to to learn how you can apply for a Jammu and Kashmir Bank Credit Card…
J&K Bank Blue Empowerment Credit Card Features
To better understand the features and benefits of a J&K Bank credit card, let’s take a closer look at the Blue Empowerment Credit Card (available as a Mastercard)…
Using this card, you can receive endless perks and exciting freebies. For every Rs 200 spent on your card, you can earn 1 reward point. If you use this credit card for groceries, fuel and dining, you can receive bonus points redeemable for gadgets, air miles and more.
The J&K Bank Blue Empowerment Credit Card also issues a long credit-free period of 20 to 50 days, giving you more time to settle the bills. Within this period, you will not be charged any interest on top of your bill. If you have already exceeded your credit limit set by the bank, you can avail the cash advance feature of this credit card and withdraw cash of up to 20% of the total credit limit.
This credit card is also on the Mastercard platform, giving you extra security when making online transactions. You can also enjoy loads of perks and promotions whenever you shop and pay using your Mastercard. Exclusive privileges can be availed and you can get up to 50% discount at selected stores as well!
Applying for a J&K Bank Credit Card
To apply for a J&K Bank credit card, you need to visit the J&K Bank website to submit an online application. Provide essential information like your full name, residence, date of birth and mobile number.
Note that to be eligible for a J&K Bank credit card, particularly the Blue Empowerment Mastercard, you must be at least 21 years old with an annual income of Rs 80,000 or above. For self-employed individuals, you must earn at least Rs 150,000 annual income to apply.
You will also need to submit supporting documents to your nearest J&K Bank to complete the credit card application process. Provide proof of income (such as bank statement and payslips, employment certificate, proof of residency, ID and other financial records if self-employed.
If your application is approved, the bank will set your credit limit based on your income, spending and credit-worthiness. Maximum credit limits are as follows:
- Blue Empowerment Card – Up to Rs.25,000.00
- Silver Empowerment Card – Up to Rs.50,000.00
- Gold Empowerment Card – Up to Rs.100,000.00
J&K Bank Credit Card Fees and Charges
Great things await those who apply for a J&K Bank credit card. The fees for the Blue Empowerment Mastercard are as follows…
With an annual fee of Rs 400 + GST, you get far more than what you pay for with this card.
Upon joining you will need to pay for the Chip-based card, which is Rs 300 plus the applicable GST.
Any supplementary cards are also Rs 300 + GST. with an annual fee of Rs 400 + GST.
An interest rate of 3% is applicable on top of your bill each month if you do not settle the total amount.
For a cash advance, 2.50% is charged with a minimum of Rs 300 for each transaction plus GST. If you want to make a cash advance outside of India, you will also be charged 2.50% plus USD 5 for each transaction.
If you do not settle your bill after the 50-day credit-free period, you will be charged Rs 100 as a late payment fee.
Conclusion
Indeed, a J&K Bank Credit Card, particularly the Blue Empowerment Mastercard, is a powerful card to use for daily transactions. With every swipe, you’ll earn points and perks you can use to enliven your lifestyle. Get yours today!
